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General Insurance Industry

July 2010

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Copyright © 2010 Malaysian Rating Corporation Berhad and any of its subsidiaries or affiliates (“MARC”) have exclusive proprietary rights in the data or information provided herein. This document is the property of MARC and is protected by Malaysian and international copyright laws and conventions. The data and information shall only be used for intended purposes and not for any improper or unauthorised purpose. All information contained herein shall not be copied or otherwise reproduced, repackaged, transmitted, transferred, disseminated, redistributed or resold for any purpose, in whole or in part, in any form or manner, or by any means or person without MARC’s prior written consent.

Ratings are solely statements of opinion based on information gathered and available in public and information obtained from issuers and other sources which MARC believes to be reliable and therefore, shall not be taken as a statement of fact under any circumstance. MARC does not and is in no position to independently audit or verify the truth and accuracy of the information contained in the report and shall not be responsible for any error or omission or for the loss or damage caused by, resulting from or relating to the use of such information. NEITHER MARC NOR ITS AFFILIATES, SUBSIDIARIES AND EMPLOYEES, GIVE ANY EXPRESS OR IMPLIED WARRANTY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OR USE OF ANY SUCH INFORMATION.

A credit rating is not a recommendation to buy, sell or hold any security and/or investment. Any user of this report should not rely solely on the credit rating and analysis contained in this report to make an investment decision in as much as it does not address non-credit risks, the adequacy of market price, suitability of any security for a particular investor, or the tax-exempt nature or taxability of payments made in respect to any security concerned.

Ratings may be changed, placed on MARCWatch, suspended or withdrawn at any time for any reason at the sole discretion of MARC. MARC may make modifications to and/or amendments in this document including information contained therein at any time after publication as it deems appropriate.

MARC receives fees from its ratees, and has structured reporting lines and compensation arrangements for its analytical members in a manner designed to promote the integrity of its rating process, and to eliminate and/or manage actual and/or potential conflicts of interest.

MARC and its affiliates, subsidiaries and employees shall not be liable for any damage or loss resulting from the use of and/or reliance on this document produced by MARC or any information contained therein. Any person making use of and/or relying on any document produced by MARC and information contained therein solely assumes the risk in making use of and/or relying on such reports and all information contained therein and acknowledges that this disclaimer has been read and understood, and agrees to be bound by it.


© 2010 Malaysian Rating Corporation Berhad

Published and Printed by:

MALAYSIAN RATING CORPORATION BERHAD (Company No. : 364803 V) 5th Floor, Bangunan Malaysian Re, No 17 Lorong Dungun, Damansara Heights, 50490 KUALA LUMPUR Tel: [603] 2092 5398 Fax: [603] 2094 9397 E-mail: marc@marc.com.my H-page : www.marc.com.my

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